Positively identify signing parties and obtain all proper signatures Maintain all financial records Self Employed City, StateMobile Notary Closer 02/2007 to Current Schedule appointments with clients For example, on a $100,000 home, with a mortgage loan principal of $80,000, the loan-to-value ratio is 80 percent Download and print loan packages Deliver documents by deadline The LTV will affect programs available to the borrower; generally, the lower the LTV, the more favorable the program terms offered by lenders EducationThe ratio of the loan principal (amount borrowed) to the appraised value (selling price)